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Jeremy Cabral is the chief operating officer and global head of publishing for Finder. He has written hundreds of comparisons covering everything from credit cards to travel money to Netflix TV shows. Jeremy has a Bachelor of Business (Marketing) from the University of Western Sydney.
Home Loan Offers
Important Information*
UBank UHomeLoan Variable Rate - Discount offer for Owner Occupiers, P&I Borrowing over $200,000
Take advantage of a low-fee mortgage with a special interest rate of just 2.84% p.a. and a 2.84% p.a. comparison rate.
Athena Variable Home Loan - Refinance (Owner Occupier, P&I)
Owner occupiers looking to refinance can get one of the lowest rates in the market with this variable rate mortgage. $0 application fee and $0 ongoing fees. Refinancers only.
Virgin Reward Me Fixed Rate Home Loan - 2 Year $300k+ Special offer (Owner Occupier, P&I)
Buy your home and lock in a low rate for the first two years. Available with a 10% deposit. Earn Velocity Frequent Flyer Points at settlement, monthly and every three years, plus extra bonus points for a limited time.
Just turned 65, does this have a vast impact of getting a morgage loan
Hi Vicki,
Thanks for reaching out.
Appling for a home loan at this age may prove more difficult but your ability to qualify for a loan will depend on the type of home loan that you’re applying for as well as your income, assets, credit history and any existing debt that you have (e.g. credit cards or personal loans).
Unfortunately many lenders will view you as a high-risk borrower if you’re no longer in the workforce and therefore do not have a steady income source. As a result, you may be charged higher fees or a higher interest rate depending on the individual lender’s policy.
It’s strongly advised that you speak to a mortgage broker regarding your borrowing options to ensure that you apply for the right type of finance for you. For instance, you may want to consider a fixed-rate home loan for greater certainty and security of knowing what your repayments will be.
You can learn more about the risks involved when applying for finance during your retirement years on this page.
All the best,
Belinda